Business Development Specialist

4 days ago


Bahawalpur, Punjab, Pakistan Mobilink Microfinance Bank Ltd Full time
Job Description

The Relationship Officer SME at Mobilink Bank is a pivotal role responsible for fostering strong, long-lasting relationships with our esteemed small and medium-sized business clients.

Key Responsibilities:

  • Develop and execute sales/service plans to drive bank growth objectives in conjunction with Business Managers/Relationship Managers.
  • Conduct thorough market assessments/research to identify potential selling opportunities and new markets/areas, ensuring informed decisions are made in consultation with line managers.
  • Sell products by establishing meaningful contact and developing trusted relationships with customers as per defined Standard Operating Procedures (SOPs) of the bank.
  • Achieve sales targets/objectives in assigned areas while adhering to best ethics and moral practices by following SOPs.
  • Ensure target achievement through genuine sales, avoiding tactics such as family loaning, activist-based lending, and adjustment lending.
  • Promote the company's business profitability through sales of loans and enhancement of customer numbers by following SOPs of the bank.
  • Market company products and develop effective strategies in this regard.
  • Identify business opportunities by identifying prospects and evaluating industry positions.
  • Evaluate customers' profiles by adopting the five Cs of credit.
  • Communicate terms and conditions of products offered to customers.
  • Monitor on-track performance by conducting physical verifications of prospective clients.
  • Ensure proactive collection, timely repayment of loans by communicating with clients and ensuring 100% collections of loans by following SOPs of the bank.
  • Exercise extra care while handling customers' legal documents to avoid any misuse.
  • Guide customers to deposit their loan repayments at cash counters only.
  • Avoid cash handling of customers' transactions while performing RO functions. However, in cases of field collections, strict compliance with the collection manual must be ensured.
  • Prepare weekly field activity planners and mark deviations in consultation with Line Managers.
  • Ensure monthly/quarterly meetings with customers as per defined product programs.
  • Conduct loan bookings in strict compliance with bank policies, procedures, ethics, and standards.
  • Ensure continuous review of product and services-related knowledge and recommend areas of improvement through personal/client feedback.
  • Meet internal service standards and ensure no service-related complaints are received from customers by following the bank's fair treatment of customer policy.
  • Develop and sustain long-lasting relationships between the bank and customers.
  • Report cases with intent of fraud or prospective loss to the bank by internal or external customers in any form to line managers/HODs.
  • Ensure compliance with bank products SOPs and SBPs rules and regulations.
  • Protect the bank's reputation to avoid financial, operational, and market losses by adopting internal control standards in true letter and spirit.
Requirements:
  • Hold a Bachelor's degree from a reputable institution; an MBA will be preferable.
  • Have at least 1-2 years of experience in a related field.


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